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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $107,431 | $165,381-35.0% | $149,730-28.3% | $158,966-32.4% |
| Participation rate | 86.7% | 84.6%+2.1pp | 82.5%+4.2pp | 82.0%+4.7pp |
| Annual return | 4.11% | 348.29%-344.2pp | 276.70%-272.6pp | 302.95%-298.8pp |
| Employer contribution / active EE | $0 | $5,104-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $11,324 | $7,182+57.7% | $6,843+65.5% | $5,983+89.3% |
| Admin fee / account holder | $2,337 | $10,809-78.4% | $9,310-74.9% | $11,250-79.2% |